Equifax is a credit monitoring agency that was founded in 1899 in Atlanta, Georgia. The privately held company offers an identity protection Lock & Alert service for both individuals.

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The Good

Identity Theft Prevention
Free Service

Identity Theft Prevention

Equifax works to catch identity theft before it even happens. The company provides triple-bureau credit monitoring, internet scanning, social security number monitoring, fraud alerts, and credit freezes.

Free Service

Equifax's Lock & Alert service is a free service that allows customers to easily lock and unlock their Equifax credit report. By locking their credit report, customers can have additional protection against identity theft criminals.

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The Bad

Limited Recovery Services
No Antivirus Software

Limited Recovery Services

While Equifax does offer assistance with financial identity recovery, there are a number of other restoration services that the company does not provide. For example, Equifax cannot help with medical, criminal, or tax identity recovery.

No Antivirus Software

Equifax does not provide its customers with antivirus software to protect sensitive data on their computers.

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The Bottom Line

Equifax offers a free identity protection Lock & Alert service as well as several other services. However, Equifax's recovery services are limited and the company does not offer antivirus software.

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User Reviews

Star Rating

4.1

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60 Reviews

Review Breakdown

5 grade

62%

4 grade

15%

3 grade

2 grade

1 grade

12%

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RONALD WHITE Phoenix, AZ

Decent experience with Equifax in setting up our identity theft account. Our info was exposed a couple of years ago and they worked with us in closing any and all loopholes. It was fairly simple once we got in and set up our information so we would not be exposed to any kind of Identity Theft. We know it is not 100% foolproof but feel more comfortable in knowing that we have a high degree of protection. Our main problem was that we locked our credit account when we started this procedure but was unable to figure out how to unlock so we could check our credit scores and other such info. I would still recommend Equifax for assisting us in this matter. Just be careful upon locking your credit info Thanks Equifax for assisting us.

11 months ago

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David Drake Shelbyville, IN

Great people to work with will let you know your credit score also they let you know when people has did a credit check up on you they will notify you by email or text and believe it or not if there’s something wrong in advance they can help you straighten it up off of your credit record also they offer accrediting overlook where they monitor your account all the time don’t be shy give them a try

9 months ago

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James Goodman Silverdale, WA

Equifax is protection is okay, little pricey and has some room for improvement. In my experience their customer services could be a little better. Was on hold for over 20 minutes and when disconnected, had to start all over again. Their online format is helpful, but not as user friendly as other protection programs I've used. My experience is "so-so" with Equifax, I ended up shopping around.

11 months ago

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Gary Sorrento, FL

Equifax has very strict protection policies and procedures to safeguard their individual credit report information. I rely on their data collection procedures and the security they apply. We have been involved in financial transactions several times, including our recent purchase of a new home with a mortgage, when Equifax did the credit report segment. Never had an issue or error committed by them.

11 months ago

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charlie dang Garden Grove, CA

Really good at updating any new inquiries or any large balances carried on any account I have. The only thing preventing from giving them 5 stars is that the constant solicitations for credit is annoying. I understand they need to generate revenue, but maybe cut it back a little.

11 months ago

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Doug Foerch Oak Brook, IL

This is a dependable company that keeps a close eye on any suspicious activity on your finances.

11 months ago

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anupam sumessur Curtis Bay, MD

Equifax has been helpful to me as a new citizen to understand and protect my credit worthiness

11 months ago

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Lindsay Rawitscher Santa Clara, CA

Great customer service, website could use more work.

7 months ago

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Steve Colella Coraopolis, PA

Very easy to use website with clear and easy to understand information.

11 months ago

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